Call reports 2007
HOUGHTON STATE BANK — 2007
What HOUGHTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 125,824,000 | 126,552,000 | 129,077,000 | 130,207,000 |
| Total loans | 93,146,000 | 95,880,000 | 98,604,000 | 99,942,000 |
| Allowance for loan losses | 945,000 | 951,000 | 967,000 | 996,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,036,000 | 17,216,000 | 18,701,000 | 16,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,993,000 | 102,506,000 | 103,303,000 | 105,351,000 |
| Interest-bearing deposits | 92,468,000 | 91,621,000 | 92,540,000 | 92,334,000 |
| Noninterest-bearing deposits | 10,525,000 | 10,885,000 | 10,763,000 | 13,017,000 |
| Equity capital | 14,632,000 | 14,425,000 | 14,778,000 | 14,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,943,000 | 3,959,000 | 6,028,000 | 8,092,000 |
| Interest expense | 844,000 | 1,734,000 | 2,671,000 | 3,584,000 |
| Net interest income | 1,099,000 | 2,225,000 | 3,357,000 | 4,508,000 |
| Noninterest income | 140,000 | 300,000 | 462,000 | 615,000 |
| Noninterest expense | 679,000 | 1,328,000 | 2,037,000 | 2,766,000 |
| Provision for loan losses | 21,000 | 45,000 | 78,000 | 109,000 |
| Pretax income | 539,000 | 1,152,000 | 1,704,000 | 2,248,000 |
| Income tax | 192,000 | 412,000 | 611,000 | 806,000 |
| Net income | 347,000 | 740,000 | 1,093,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,607,000 | 9,400,000 | 9,753,000 | 9,848,000 |
| Total capital | 10,552,000 | 10,351,000 | 10,720,000 | 10,844,000 |
| Risk-weighted assets | 95,776,000 | 98,456,000 | 101,885,000 | 103,254,000 |